Sentences with phrase «business and consumer ratings»
Choose a management service with excellent business and consumer ratings and have that contact information available to use if the need arises.
https://www.think-creditcards.com/ Not exact matches
The Bank of Canada would have to tame inflation by raising rates aggressively, choking off the flow of credit to consumers and businesses, and potentially sending the economy into a recession.
The federal funds rates sets the rate at which banks borrow from one another, and it is the underpinning for the loan rates banks set for businesses and consumers.
The theory is that these purchases lower long - term interest rates, thus encouraging businesses and consumers to spend.
So, we have booming job market, rising optimism in businesses, soaring exports and consumer frenzy — a rate hike on July 12 must be a slam dunk, right?
As the Federal Reserve examines when it might increase interest rates, consumers and business borrowers are contemplating what the hike might mean.
No matter the impetus, higher rates will lead to constraints on credit for both consumers and businesses, which will crimp growth.
Maintaining such low rates has a stimulative effect on the economy, because it helps businesses and consumers borrow money cheaply, which in turn encourages them to buy things.
The move is a vote of confidence in the U.S. economy — a signal that consumers and businesses don't need quite as much help via monetary policy now that the unemployment rate has fallen to 4.6 percent, close to what economists call full employment.
Consumer and business confidence ratings still ebb and flow on a monthly basis.
Online lenders to businesses can charge annual percentage rates (APRs) of 50 percent or more, and they are unfettered by many of the regulations that apply to consumer lenders, Pratt says.
The sector isn't devoid of challenges: Canada's banks are contending with an ongoing low - interest - rate environment, slower consumer lending growth and weakness in the securities business.
There is a rating system built into the site for both the consumer and business.
target and maximum levels, assumed, for Mr. Hoyt's Wholesale Banking Group, continued double - digit loan growth and favorable credit quality; for Mr. Oman's Home and Consumer Finance Group, improvement in the home mortgage business due to cost control and expected improvements in the yield curve favorably affecting earnings from hedging activities; and for Ms. Tolstedt's Community Banking Group, growth in deposits, especially low or no - cost core deposits, continued loan growth, and stable credit loss rates.
The benchmark 10 - year Treasury yield is on the verge of breaking 3 percent and is likely to go higher from there, taking interest rates on mortgages and a whole range of business and consumer loans higher with it.
Factors that could cause actual results to differ include general business and economic conditions and the state of the solar industry; governmental support for the deployment of solar power; future available supplies of high - purity silicon; demand for end - use products by consumers and inventory levels of such products in the supply chain; changes in demand from significant customers; changes in demand from major markets such as Japan, the U.S., India and China; changes in customer order patterns; changes in product mix; capacity utilization; level of competition; pricing pressure and declines in average selling prices; delays in new product introduction; delays in utility - scale project approval process; delays in utility - scale project construction; delays in the completion of project sales; continued success in technological innovations and delivery of products with the features customers demand; shortage in supply of materials or capacity requirements; availability of financing; exchange rate fluctuations; litigation and other risks as described in the Company's SEC filings, including its annual report on Form 20 - F filed on April 27, 2017.
Factors that could cause actual results to differ include general business and economic conditions and the state of the solar industry; governmental support for the deployment of solar power; future available supplies of high - purity silicon; demand for end - use products by consumers and inventory levels of such products in the supply chain; changes in demand from significant customers; changes in demand from major markets such as Japan, the U.S., India and China; changes in customer order patterns; changes in product mix; capacity utilization; level of competition; pricing pressure and declines in average selling prices; delays in new product introduction; delays in utility - scale project approval process; delays in utility - scale project construction; continued success in technological innovations and delivery of products with the features customers demand; shortage in supply of materials or capacity requirements; availability of financing; exchange rate fluctuations; litigation and other risks as described in the Company's SEC filings, including its annual report on Form 20 - F filed on April 20, 2016.
Consumer confidence and high yield bond spreads corroborate the unemployment rate in suggesting that we are in the mature stages of the current business cycle.
Consumers connect, rate, discuss, and consume product information and reviews like never before, making a strong online presence paramount for all sizes of ecommerce businesses.
Inflation and interest rates have major ramifications for the general economy, as these heavily influence employment, consumer spending, business investment, currency strength and trade balances.
Rising rates impact the stock market because they increase the cost to borrow money for consumers and businesses.
Factors that could cause actual results to differ include general business and economic conditions and the state of the solar industry; governmental support for the deployment of solar power; future available supplies of high - purity silicon; demand for end - use products by consumers and inventory levels of such products in the supply chain; changes in demand from significant customers; changes in demand from major markets such as Japan, the U.S., India and China; changes in customer order patterns; changes in product mix; capacity utilization; level of competition; pricing pressure and declines in average selling prices; delays in new product introduction; delays in utility - scale project approval process; delays in utility - scale project construction; cancelation of utility - scale feed - in - tariff contracts in Japan; continued success in technological innovations and delivery of products with the features customers demand; shortage in supply of materials or capacity requirements; availability of financing; exchange rate fluctuations; litigation and other risks as described in the Company's SEC filings, including its annual report on Form 20 - F filed on April 27, 2017.
Fed interest rates impact what banks charge each other, and based on that, banks decide what to charge businesses and consumers who borrow.
If successful, quantitative easing would push down market interest rates in the eurozone and make it easier for businesses and consumers to borrow money, helping to stimulate the economy and restore inflation.
Important factors that may affect the Company's business and operations and that may cause actual results to differ materially from those in the forward - looking statements include, but are not limited to, increased competition; the Company's ability to maintain, extend and expand its reputation and brand image; the Company's ability to differentiate its products from other brands; the consolidation of retail customers; the Company's ability to predict, identify and interpret changes in consumer preferences and demand; the Company's ability to drive revenue growth in its key product categories, increase its market share, or add products; an impairment of the carrying value of goodwill or other indefinite - lived intangible assets; volatility in commodity, energy and other input costs; changes in the Company's management team or other key personnel; the Company's inability to realize the anticipated benefits from the Company's cost savings initiatives; changes in relationships with significant customers and suppliers; execution of the Company's international expansion strategy; changes in laws and regulations; legal claims or other regulatory enforcement actions; product recalls or product liability claims; unanticipated business disruptions; failure to successfully integrate the Company; the Company's ability to complete or realize the benefits from potential and completed acquisitions, alliances, divestitures or joint ventures; economic and political conditions in the nations in which the Company operates; the volatility of capital markets; increased pension, labor and people - related expenses; volatility in the market value of all or a portion of the derivatives that the Company uses; exchange rate fluctuations; disruptions in information technology networks and systems; the Company's inability to protect intellectual property rights; impacts of natural events in the locations in which the Company or its customers, suppliers or regulators operate; the Company's indebtedness and ability to pay such indebtedness; the Company's dividend payments on its Series A Preferred Stock; tax law changes or interpretations; pricing actions; and other factors.
Factors that could cause actual results to differ materially from those expressed or implied in any forward - looking statements include, but are not limited to: changes in consumer discretionary spending; our eCommerce platform not producing the anticipated benefits within the expected time - frame or at all; the streamlining of the Company's vendor base and execution of the Company's new merchandising strategy not producing the anticipated benefits within the expected time - frame or at all; the amount that we invest in strategic transactions and the timing and success of those investments; the integration of strategic acquisitions being more difficult, time - consuming, or costly than expected; inventory turn; changes in the competitive market and competition amongst retailers; changes in consumer demand or shopping patterns and our ability to identify new trends and have the right trending products in our stores and on our website; changes in existing tax, labor and other laws and regulations, including those changing tax rates and imposing new taxes and surcharges; limitations on the availability of attractive retail store sites; omni - channel growth; unauthorized disclosure of sensitive or confidential customer information; risks relating to our private brand offerings and new retail concepts; disruptions with our eCommerce platform, including issues caused by high volumes of users or transactions, or our information systems; factors affecting our vendors, including supply chain and currency risks; talent needs and the loss of Edward W. Stack, our Chairman and Chief Executive Officer; developments with sports leagues, professional athletes or sports superstars; weather - related disruptions and seasonality of our business; and risks associated with being a controlled company.
Were the US to impose capital controls, the trade surplus countries would likely increase investment and reduce interest rates, thereby shifting more wealth from households (consumers) to borrowers (businesses).
Given the absence of a public trading market of our common stock, and in accordance with the American Institute of Certified Public Accountants Accounting and Valuation Guide, Valuation of Privately - Held Company Equity Securities Issued as Compensation, our board of directors exercised reasonable judgment and considered numerous and subjective factors to determine the best estimate of fair value of our common stock, including independent third - party valuations of our common stock; the prices at which we sold shares of our convertible preferred stock to outside investors in arms - length transactions; the rights, preferences, and privileges of our convertible preferred stock relative to those of our common stock; our operating results, financial position, and capital resources; current business conditions and projections; the lack of marketability of our common stock; the hiring of key personnel and the experience of our management; the introduction of new products; our stage of development and material risks related to our business; the fact that the option grants involve illiquid securities in a private company; the likelihood of achieving a liquidity event, such as an initial public offering or a sale of our company given the prevailing market conditions and the nature and history of our business; industry trends and competitive environment; trends in consumer spending, including consumer confidence; and overall economic indicators, including gross domestic product, employment, inflation and interest rates, and the general economic outlook.
Further, there is evidence that consumers and businesses respond less to interest rate declines when interest rates are already very low.
Important factors that may affect the Company's business and operations and that may cause actual results to differ materially from those in the forward - looking statements include, but are not limited to, operating in a highly competitive industry; changes in the retail landscape or the loss of key retail customers; the Company's ability to maintain, extend and expand its reputation and brand image; the impacts of the Company's international operations; the Company's ability to leverage its brand value; the Company's ability to predict, identify and interpret changes in consumer preferences and demand; the Company's ability to drive revenue growth in its key product categories, increase its market share, or add products; an impairment of the carrying value of goodwill or other indefinite - lived intangible assets; volatility in commodity, energy and other input costs; changes in the Company's management team or other key personnel; the Company's ability to realize the anticipated benefits from its cost savings initiatives; changes in relationships with significant customers and suppliers; the execution of the Company's international expansion strategy; tax law changes or interpretations; legal claims or other regulatory enforcement actions; product recalls or product liability claims; unanticipated business disruptions; the Company's ability to complete or realize the benefits from potential and completed acquisitions, alliances, divestitures or joint ventures; economic and political conditions in the United States and in various other nations in which we operate; the volatility of capital markets; increased pension, labor and people - related expenses; volatility in the market value of all or a portion of the derivatives we use; exchange rate fluctuations; risks associated with information technology and systems, including service interruptions, misappropriation of data or breaches of security; the Company's ability to protect intellectual property rights; impacts of natural events in the locations in which we or the Company's customers, suppliers or regulators operate; the Company's indebtedness and ability to pay such indebtedness; the Company's ownership structure; the impact of future sales of its common stock in the public markets; the Company's ability to continue to pay a regular dividend; changes in laws and regulations; restatements of the Company's consolidated financial statements; and other factors.
Important factors that may affect the Company's business and operations and that may cause actual results to differ materially from those in the forward - looking statements include, but are not limited to, increased competition; the Company's ability to maintain, extend and expand its reputation and brand image; the Company's ability to differentiate its products from other brands; the consolidation of retail customers; the Company's ability to predict, identify and interpret changes in consumer preferences and demand; the Company's ability to drive revenue growth in its key product categories, increase its market share or add products; an impairment of the carrying value of goodwill or other indefinite - lived intangible assets; volatility in commodity, energy and other input costs; changes in the Company's management team or other key personnel; the Company's inability to realize the anticipated benefits from the Company's cost savings initiatives; changes in relationships with significant customers and suppliers; execution of the Company's international expansion strategy; changes in laws and regulations; legal claims or other regulatory enforcement actions; product recalls or product liability claims; unanticipated business disruptions; failure to successfully integrate the business and operations of the Company in the expected time frame; the Company's ability to complete or realize the benefits from potential and completed acquisitions, alliances, divestitures or joint ventures; economic and political conditions in the nations in which the Company operates; the volatility of capital markets; increased pension, labor and people - related expenses; volatility in the market value of all or a portion of the derivatives that the Company uses; exchange rate fluctuations; risks associated with information technology and systems, including service interruptions, misappropriation of data or breaches of security; the Company's inability to protect intellectual property rights; impacts of natural events in the locations in which the Company or its customers, suppliers or regulators operate; the Company's indebtedness and ability to pay such indebtedness; tax law changes or interpretations; and other factors.
These threats outpace the more familiar threats to business growth prospects such as exchange rate volatility and changing consumer behaviour.
If you think about the comparative growth characteristics of Netflix versus HBO, Netflix can grow at a faster rate, they have a better business model because it's direct and they can offer better prices to consumers even if HBO chooses to go direct and it's going to be a bigger subscriber base long - term because of their global aspirations.»
Once the Fed starts pumping up rates, business and consumers are likely to pull back their spending.
The demand for services in the Building Exterior Cleaners industry cum window cleaning line of business is on the increase in recent time, as growth in household formation rates expanded the available clientele base for industry players and rising per capita disposable income enabled consumers to purchase cleaning services they put off during the recession.
In the first quarter, GDP growth hit an annualized rate of 2.5 % while manufacturing, small business, and consumer sentiment surveys all continue to hold near post-crisis highs.
The tactic was credited with boosting the confidence of consumers and businesses to borrow and spend, knowing that interest rates were guaranteed to stay low for more than a year.
If banks are able to borrow at a lower rate, they're more likely to lend to small businesses and consumers, spurring growth.
As consumers we have seen increased rates and cancelled home delivery as two public facing ways the public corporation has tried to make its business model make sense.
After nearly a decade of artificial suppression of interest rates, how will consumers and businesses react if 12 - month LIBOR approaches normalized rates of 3 % to 5 %?
When the Fed votes to increase the Fed Funds Rate, costs rise for consumers and businesses which creates a drag on the U.S. economy.
The two moves mean that many consumers and businesses will face higher loan rates over time.
Because many businesses benefit from higher consumer spending, the economy index includes state poverty rates and the individual earnings gap between men and women, both from the 2015 ACS.
Even now, the Fed's benchmark short - term rate, which influences consumer and business loan rates throughout the economy, remains in a low range of 1.5 to 1.75 percent.
Prime Rate is a key interest rate for consumers and U.S. businesRate is a key interest rate for consumers and U.S. businesrate for consumers and U.S. businesses.
In a recent interview with Karen Webster, Greenfield explained how Candid leverages a direct eCommerce business model as well as other technologies, many of which were not available even three years ago, to provide an expensive service at an inexpensive rate and in a modern, convenient fashion that meets the expectations and needs of today's consumers.
Central bank policymakers also pointed to «solid rates» of growth in consumer spending and business investment, while eliminating a reference from their previous statement warning a global economic slowdown could sap U.S. economic strength.
Contractionary monetary policy slows the rate of growth in the money supply or outright decreases the money supply in order to control inflation; while sometimes necessary, contractionary monetary policy can slow economic growth, increase unemployment and depress borrowing and spending by consumers and businesses.
Based on the monthly rate of the base consumer business ($ 379 per month) and the current user count, the revenue run rate from the consumer business is $ 6.3 million.
This led to higher bond yields and another weak close for US equities as business and consumer activity could be dampened by higher interest rates.